BEE
Charter #9893 | MD
<100M
(2596 CUs)
Micro
($0-$500M)
28 <100M in MD
BEE has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.94% below tier average
- - Efficiency ratio 0.31% above tier (higher cost structure)
- - Delinquency rate 0.87% above tier average
- - Net Charge-Off Rate: Bottom 4.4% in tier
- - Members Per Employee (MPE): Bottom 6.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
996
-1.8% YoY-1.8% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
34,720
+7.7% YoY
|
33,089
+6.1% YoY
|
28th in tier |
| Assets |
$7.7M
-2.4% YoY-2.8% QoQ
|
$-22.2M |
$29.9M
+1.1% YoY
|
$624.1M
+9.4% YoY
|
$547.7M
+7.8% YoY
|
27th in tier |
| Loans |
$3.0M
-0.5% YoY-0.8% QoQ
|
$-12.8M |
$15.8M
-2.4% YoY
|
$452.1M
+10.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 23.9% in tier |
| Deposits |
$6.0M
-2.8% YoY-3.3% QoQ
|
$-19.5M |
$25.5M
+0.4% YoY
|
$528.8M
+10.3% YoY
|
$464.6M
+9.3% YoY
|
26th in tier |
| ROA |
-0.3%
-240.9% YoY-372.4% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.6%
+23.1% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.7% in tier |
| NIM |
3.9%
+17.5% YoY-6.5% QoQ
|
-0.0% |
3.9%
+3.8% YoY
|
3.5%
+4.2% YoY
|
3.7%
+5.0% YoY
|
50th in tier |
| Efficiency Ratio |
81.7%
-5.8% YoY+6.4% QoQ
|
+0.3% |
81.4%
-2.4% YoY
|
78.6%
-6.6% YoY
|
79.1%
-3.3% YoY
|
58th in tier |
| Delinquency Rate |
2.4%
-30.5% YoY-27.5% QoQ
|
+0.9 |
1.5%
-2.0% YoY
|
1.2%
+5.3% YoY
|
1.2%
-0.9% YoY
|
Top 16.3% in tier |
| Loan To Share |
50.2%
+2.3% YoY+2.6% QoQ
|
-11.1% |
61.2%
-3.0% YoY
|
65.0%
-0.2% YoY
|
68.0%
-1.7% YoY
|
32nd in tier |
| AMR |
$9,003
-0.3% YoY-0.7% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$20,685
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 23.9% in tier |
| CD Concentration |
8.1%
+76.7% YoY+14.2% QoQ
|
-16.3% |
24.4%
+4.2% YoY
|
20.4%
+10.6% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.4%
+4.0% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
435
Net Worth Ratio
risk
Value:
21.90%
Peer Avg: 16.43%
#435 of 2596
Top 16.7% in <100M tier
Top Weaknesses (9 metrics)
2482
Net Charge-Off Rate
risk
Value:
2.45%
Peer Avg: 0.57%
#2482 of 2596
Bottom 4.4% in <100M tier
2423
Members Per Employee (MPE)
engagement
Value:
110.667
Peer Avg: 365.701
#2423 of 2596
Bottom 6.7% in <100M tier
2292
Return on Assets (ROA)
profitability
Value:
-0.26%
Peer Avg: 0.68%
#2292 of 2596
Bottom 11.7% in <100M tier
2174
Total Delinquency Rate (60+ days)
risk
Value:
2.37%
Peer Avg: 1.51%
#2174 of 2596
Bottom 16.3% in <100M tier
2117
Fee Income Per Member
profitability
Value:
$9.65
Peer Avg: $182.96
#2117 of 2596
Bottom 18.5% in <100M tier
1980
Loan-to-Member Ratio (LMR)
engagement
Value:
$3,007
Peer Avg: $5,488
#1980 of 2596
Bottom 23.8% in <100M tier
1976
Total Loans
balance_sheet
Value:
$3.00M
Peer Avg: $15.77M
#1976 of 2596
Bottom 23.9% in <100M tier
1975
Average Member Relationship (AMR)
engagement
Value:
$9,003
Peer Avg: $14,627
#1975 of 2596
Bottom 24.0% in <100M tier
1955
Asset Growth Rate
growth
Value:
-2.42%
Peer Avg: 1.82%
#1955 of 2596
Bottom 24.7% in <100M tier